The customer's previous repayment was overdue, and the overdue situation was serious, which caused the customer's credit to be damaged. Even if all debts are paid off later, the system is likely to detect that the cardholder has a credit problem and the account risk is high, so it may not be possible to restore the credit limit. Moreover, the quota cannot be restored, and there is no available quota at present, so customers naturally cannot brush it. Therefore, customers must pay attention to repayment on time to avoid overdue.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit card characteristics
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations, which are universal. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers. It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedure and save social labor. It can promote commodity sales and stimulate social demand.
The credit card limit is determined by the bank according to the applicant's credit status and the card level applied for, and generally follows the following standards:
Credit card ordinary card limit: 0- 1 ten thousand yuan;
Credit card gold card amount: 1 10,000-50,000 yuan;
Platinum card and above: 50,000 and above.
The specific amount is subject to the final approval of the bank. If you want to get a higher quota, you should provide as many financial certificates as possible to ensure good credit, and you should handle it at the door of the salesman or at the counter of the bank branch.